Section outline

  • 50-30-20 Rule for Indian Households 📊

    Ever wonder how much you should be spending, saving, or enjoying guilt-free? The 50-30-20 rule is a simple way to divide your income wisely. And yes — it works beautifully for Indian families too, with a little customization.

    Whether you earn ₹5,000 or ₹50,000, this rule can guide your monthly planning — giving space to live, save, and grow.

    • 📁 What Is the 50-30-20 Rule?

      Here’s the basic idea:

      • 50% – Needs: Groceries, rent, bills, school fees, transport — things you can’t avoid.
      • 30% – Wants: Eating out, shopping, festivals, gifts, Netflix — things you enjoy but can live without.
      • 20% – Savings: Investments, emergency fund, insurance, gold — things for your future.

      It’s not about perfection. Even if you start with 10% savings, it’s a great beginning.

    • 📁 Adapting It to Indian Life

      Indian families often support parents, give to relatives, and celebrate many festivals — that’s okay! You can still make this rule work for you.

      For example:

      • If your rent is low, shift some money from “needs” to “savings.”
      • If festivals are coming, plan to reduce “wants” next month.
      • If income is irregular, treat each month as a fresh start.

      💡 Tip: Print or write this rule and stick it where you see it often. It acts like a compass — keeping you focused without restricting joy.